.olczyk was excited that a bit of scheduling serendipity allowed him to work hockey in washington and horse racing in baltimore this week. more than anything, he's happy for the normalcy. .scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance. .on sunday morning, may 6, at 9:04 a.m., helen opened her eyes and turned to robert and took her last breath.